I applied for this credit card thinking that it would be like other credit cards but it is not. It like a loan shark! No kidding. I strongly advise that no one apply this card. Should you obtain this card you will have to pay off through another source because of their interest rate charges. My interest rate is 82+%. Who ever heard of such a thing. No wonder this company is in bankruptcy. I plan to report this problem to the Attoney General of NC. This is the state that I live in. I can't accpet a company behaving in this manner. It is simply too out of bounds ethically. Their prctice is a crime. hope that they are charged with this in a court. I realize that it likely will not happen. I